One of the most common questions I receive is actually very simple. “Irfan, I want to start saving gold. But where should I begin?”
I understand why many people feel confused.
Today, there are gold accounts offered by banks, digital gold platforms and physical gold dealers. Some allow you to buy from as little as RM10, while others require you to purchase a full gold bar.
For me, the first question is not simply about which platform offers the cheapest gold. The more important question is this, “What exactly are you buying, and can you eventually own the physical gold?”
This is one of the reasons I personally use Public Gold Malaysia. I am a physical gold stacker.
My objective is not to trade XAUUSD every day or speculate on short-term gold prices. I prefer to accumulate gold gram by gram and eventually hold the physical asset myself.
What Is Public Gold Malaysia?
Public Gold Malaysia is a precious metals company that allows customers to buy and accumulate physical gold.
Its current product listings include 999.9 gold bars and dinars in different weights, while also provides a Gold Accumulation Program, better known as GAP. What I like about this system is the flexibility.
If you have enough capital, you can buy a physical gold bar or dinar directly. If you are just starting, you can accumulate gold through GAP from RM100.
At the time of writing, the official Public Gold website continues to display GAP purchases from RM100 and its GAP Auto Debit facility.
This means you do not necessarily need thousands of Ringgit to start saving gold. You can start small and build your gold weight consistently.
Why I Choose Public Gold Malaysia
Personally, one of the most important factors for me is physical ownership.
I do not want to simply see a number on a screen without understanding what I actually own. My preference has always been physical gold that can eventually be withdrawn and held.
Public Gold also states that its gold trading structure is Shariah-compliant and monitored by the Shariah panel of Amanie Advisors.
Its own published information specifically refers to Shariah compliance for physical gold transactions and the Gold Accumulation Program. For a Muslim gold saver like me, this is not a small matter.
Price is important, but understanding the structure of ownership and the transaction is equally important. I have written more about this topic in my article on bank gold investment, digital gold and physical gold.
Two Ways I Look at Buying Gold Through Public Gold Malaysia
The easiest way to understand Public Gold Malaysia is to look at how you want to accumulate your gold. The first option is GAP or Gold Accumulation Program. This is suitable for someone who wants to start small.
You can begin from RM100, and the amount paid is converted into gold weight based on the applicable GAP price. The official Public Gold website displays the Ringgit-to-gram conversion directly on its live pricing section.
The second option is an outright purchase. This is straightforward. If you want a 5 gram gold bar, 100 gram gold bar or dinar and have the budget available, you can purchase the physical product directly.
Public Gold’s FAQ states that physical possession is arranged after full payment has been received and cleared, subject to production and processing schedules.
GAP Auto Debit as an Alternative to EPP
I still receive questions from people who used to understand the concept of EPP10. “If EPP10 is no longer available, how can I buy gold in a similar way?”
For me, the simple answer is to change the way we think about it. Instead of locking one gold product and paying for it over several months, use GAP Auto Debit to accumulate the required gold weight consistently.
For example, let’s say your target is 1 Dinar, which is 4.25 grams of gold.
You can set an Auto Debit of RM250 per month for 12 months. The exact amount of gold accumulated will depend on the gold market price each month, so 4.25 grams is a target rather than a guaranteed result.
Once your GAP balance is sufficient for the physical product and applicable withdrawal requirements, you can request the physical gold.
The same idea can be used if your target is a 10 gram gold bar.
You could set an Auto Debit of RM500 per month for 12 months and consistently accumulate gold through GAP. Again, the final number of grams depends on the gold price during each monthly purchase.
What I like about this approach is that the purchase price follows the market. When gold prices are higher, RM500 buys fewer grams. When gold prices are lower, the same RM500 buys more grams.
This is basically Dollar Cost Averaging or DCA. Instead of trying to predict the lowest gold price, we gradually average our purchase cost over time.
For me, this is much more practical for someone with a monthly salary who wants to build a physical gold position.
How to Start With Public Gold Malaysia
The process is quite straightforward. You first register for a Public Gold account and ensure your personal details are accurate. Registration itself is free, while GAP allows gold accumulation from RM100.
After your account is active, you can choose whether to buy physical gold directly or start accumulating through GAP. If you prefer a more disciplined approach, GAP Auto Debit can be used to automate the accumulation process.
Personally, I like automation because it removes one common problem. We always say we want to save. But when the salary comes in, there is always something else to spend on.
Auto Debit changes the sequence. The gold accumulation is planned first instead of waiting to see how much money is left at the end of the month.
You can register using the link I’ve provided here. Simply fill in the following details:
- Full Name as per IC/Passport
- IC number/passport number for foreign customers
- Phone number
Once you’ve registered, I’ll contact you personally to guide you on the next steps and help you start your gold saving journey.
More Than Just Gold Bars and Dinars
Another thing worth mentioning is that the Public Gold ecosystem is not limited to standard investment gold bars and dinars.
Buyers also have access to a wider range of precious metal products, depending on whether their objective is investment, collection or jewellery.
Through PG Jewel, customers can explore gold jewellery products, while Aurora Italia offers premium jewellery and collectible gold bars.
What makes Aurora Italia interesting is its range of limited-edition 999.9 gold products featuring licensed collaborations and popular characters, including Marvel and Disney collections.
Its current catalogue includes products such as Marvel’s Incredible Hulk and Disney-themed limited-edition gold bars. For collectors, this gives a different experience compared to buying a standard investment gold bar.
You are still buying a physical gold product, but the design, packaging and limited-edition concept may appeal more to someone who enjoys collecting special releases.
Of course, I personally separate gold stacking from gold collecting, because the premium and objective can be different.
And we should not forget about silver. Public Gold also offers physical silver bar products for those who want exposure to precious metals beyond gold.
I have written separately about the differences between gold and silver because both metals have very different characteristics, especially during an economic crisis.
Personally, I still focus mainly on physical gold for long-term wealth preservation. But I like the fact that buyers have different options.
Some people prefer standard gold bars and dinars, some enjoy jewellery, some collect limited-edition gold products, while others want to add silver to their precious metals portfolio.
Is Public Gold Malaysia Suitable for Everyone?
Not necessarily. If your objective is short-term trading and you want to enter and exit positions within minutes, physical gold may not match your strategy.
But if your objective is to build long-term savings, accumulate physical assets and gradually convert part of your income into gold, then Public Gold Malaysia is one option worth understanding.
My own approach is simple. I do not focus too much on whether gold will rise tomorrow or fall next week. I focus on how many grams I am able to accumulate over the years.
Because after being involved with gold for a long time, I have learned one thing. Most people do not fail to save because they started with too little. They fail because they never build a system that allows them to remain consistent.
For me, GAP Auto Debit solves part of that problem. Start with what you can afford. Set a target. Accumulate consistently. Eventually, those small monthly purchases become physical grams that you can actually own.
Irfan Said,
Physical Gold Stacker & Gold Educator.
